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Bright Auto Insurance

303 S. Broad Street
New Orleans, LA 70119

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Louisiana Homeowners with home insurance coverage

Home Insurance in Louisiana

If you own a home in Louisiana, you’ll want home insurance to protect it against unforeseen disasters. Home insurance from Bright Auto Insurance in New Orleans, LA, not only covers your home structure but protects your goods against accidental fire, storm damage, theft, vandalism, and other disasters. You can also obtain liability coverage to protect you against accidental injuries on your property. Here’s how you can benefit from home insurance coverage.

Standard Homeowners’ Policy

Standard homeowners’ insurance offers a variety of coverage options to include dwelling, other structures, personal property, liability and loss of use coverage.

Dwelling coverage protects the structure of your Louisiana home from such disasters like fire, windstorm, hail, etc. If you want protection against floods, however, you’ll need to get separate flood insurance coverage.

If you have other structures on your property like a storage shed or unattached garage, you can obtain other structures coverage to protect them against damage.

Personal property insurance safeguards your personal goods like clothes, jewelry, artwork, furniture, electronics, etc. With replacement cost coverage, these items will be replaced if they’re stolen or destroyed in a covered disaster. Pricey goods may need more coverage than what a standard policy offers. An insurance rider will give you that extra layer of protection you need for expensive items.

Liability coverage offers protection against accidents on your property. Accidents are unpredictable and could cause serious injuries like a broken hip from a slip and fall or fractured arm from a friendly football game in the yard. Liability insurance covers medical expenses of accidental injuries so you don’t have to.

Loss of use coverage pays for your living expenses elsewhere if you have to move out of your Louisiana home while it's being repaired after a major disaster.

These are just a few ways that home insurance protects your investment. To learn more about home insurance options and costs, call or visit Bright Auto Insurance in New Orleans, LA, today.

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